First Commonwealth Financial vs Nicolet Bankshares
FCF and NIC side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FCF and NIC compare
Nicolet Bankshares is the larger company, worth 1.7 times as much as First Commonwealth Financial ($3.6B against $2.1B).
On earnings, First Commonwealth Financial is cheaper: it trades at 12.4× trailing earnings, against 19.3× for Nicolet Bankshares.
Nicolet Bankshares grew revenue faster over the last twelve months (55.3% versus 9.6% for First Commonwealth Financial).
First Commonwealth Financial keeps more of each dollar of sales as profit, with a net margin of 31.0% compared with 29.8% at Nicolet Bankshares.
Both pay dividends: First Commonwealth Financial yields 2.0% and Nicolet Bankshares 0.78%.
Nicolet Bankshares scores higher on the StockData Score (13 against 11 for First Commonwealth Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FCF | NIC |
|---|---|---|
| Size and price | ||
| Market cap | $2.1B | $3.6B |
| Share price | $21.01 | $174.86 |
| Change, 1 year | 33.4% | 39.5% |
| Change, 5 years | 32.9% | 139% |
| Beta (5Y) | 0.70 | 0.67 |
| Employees | 1,522 | 986 |
| StockData Score | ||
| Total score | 11 | 13 (better) |
| Valuation score | 0 | 0 |
| Growth score | 1 | 3 (better) |
| Performance score | 3 (better) | 2 |
| Health score | 4 | 5 (better) |
| Dividend score | 3 | 3 |
| Valuation | ||
| P/E | 12.4× (better) | 19.3× |
| P/S | 3.8× (better) | 6.2× |
| P/B | 1.4× (better) | 1.6× |
| P/FCF | – | 18.6× |
| PEG | 5.23 | 1.36 (better) |
| FCF yield | – | 5.4% |
| Fair value | $18.87 | $131.03 |
| Margin of safety | −11.4% (better) | −33.4% |
| Growth | ||
| Revenue growth (TTM) | 9.6% | 55.3% (better) |
| Revenue growth, 5Y average | 7.6% | 15.4% (better) |
| Net income growth (TTM) | 20.0% | 21.6% (better) |
| EPS growth (TTM) | 22.5% (better) | −3.3% |
| EPS growth, 5Y average | 14.4% (better) | 11.4% |
| Profitability | ||
| Net margin | 31.0% (better) | 29.8% |
| FCF margin | – | 33.0% |
| Return on equity | 11.4% (better) | 10.2% |
| Financial health | ||
| Debt / equity | 0.19 (better) | 0.00 |
| Altman Z-score | 0.30 (better) | 0.28 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 2.0% (better) | 0.78% |
| Payout ratio | 32.7% | 15.3% |
| Years of dividend growth | 9 (better) | 2 |
| Dividend growth, 5Y average | 4.0% | – |
| Buyback yield | 7.0% (better) | 2.8% |
| Shareholder yield | 8.9% (better) | 3.6% |
| Ownership | ||
| Held by institutions | 79.1% | 63.3% |
| Held by insiders | 1.8% | 8.9% |
| Insider net buying, 12 months | −$3.3M (better) | −$4.0M |
| Short interest, % of float | 5.2% | 5.9% |
Go deeper
- FCF stock overview
- FCF income statement
- FCF valuation and score
- NIC stock overview
- NIC income statement
- NIC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.